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A medical or dental emergency can catch you off guard in a faraway land, derail your travel plans, and cost you dearly, as medical expenses in a foreign land can be high-priced. However, international travel insurance can save you from such expenses. Apart from this, it also provides reimbursement for essentials in case of delay or loss of check-in baggage, covers for loss of passports, visas, identity proof, etc. It also provides assistance in case of theft, burglary, accident assistance and medical evacuation in times of crisis. So, whether you travel overseas solo or with your family, remember to get travel insurance to enjoy a memorable and relaxed holiday. Many countries have also made it mandatory to get travel insurance before entering their borders. Check out HDFC ERGO’s travel explorer to explore the world confidently with 21 benefits and 3 tailor-made plans, just for you. You can buy travel insurance online from the comforts of your home. In addition, we offer medical facilities at 1Lac+ cashless hospitals** worldwide.
Emergency Medical Expenses
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
Dental Expenses
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
Personal Accident
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
Personal Accident : Common Carrier
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
Hospital Cash - Accident & Illness
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight Delay & Cancellation
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
Trip Delay & Cancellation
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Loss Of Passport & International Driving License
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Trip Curtailment
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
Personal Liability
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Emergency Hotel Accommodation For Insured Person
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Missed Flight Connection
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Hijack Distress Allowance
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
Emergency Cash Assistance Service
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Loss Of Checked-In Baggage
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Delay Of Checked-In Baggage
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft Of Baggage And Its Contents
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
Breach Of Law
Sickness or health issues caused due to war or a breach of the law is not covered by the plan.
Consumption Of Intoxicant Substances
If you consume any intoxicants or banned substances, the policy shall not entertain any claims.
Pre Existing Diseases
If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.
Cosmetic And Obesity Treatment
Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.
Self Inflicted Injury
Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.
for Travel Insurance
Travel insurance acts as a financial safety net and protects you against the possible financial repercussions of unexpected emergencies on your journey. When you purchase a travel insurance policy, you essentially buy a cover against certain insurable events. It offers medical, baggage-related and journey-related coverage. In case any of the insured events, like flight delays, loss of baggage, or medical emergencies occur, your insurer will either reimburse the additional costs that you incur on account of such incidents, or they shall offer a cashless claim settlement for the same.
We have good news for you here. A medical checkup is not necessary if you’re planning to buy the HDFC ERGO travel insurance policy. You can bid goodbye to health checkups and purchase travel insurance without any hassle.
Emergency medical needs must be treated in time if the need arises. And that is why it is not necessary to get any sort of prior approval from the insurer before you proceed with medical treatment, but it is better to inform the insurance company of the claim. However, the nature of the treatment and the terms of the travel insurance policy will determine if the treatment is covered by the travel insurance.
Yes, you most certainly can buy travel insurance after you’ve made a booking for your trip. In fact, it’s a smart idea to do so, because that way, you will have a better idea of the details of your trip, such as the start date, the end date, the number of people accompanying you and the destination. These details are all essential to determine the cost of your travel insurance cover.
Well, that depends on where you’re travelling to. To be more specific, there are 34 countries that have made travel insurance mandatory, so you’ll need to purchase a cover before you travel there. These countries include Cuba, The United States of America, The United Arab of Emirates, Ecuador, Antarctica, Qatar, Russia, Turkey and the group of 26 Schengen countries.
single trip-91 days to 70 years. AMT same, family floater – from 91 days to 70 years, insuring upto 20 people.
The exact age criteria vary from one travel insurance policy to another, and also from one insurer
to the next. For the travel insurance policy from HDFC ERGO, the age criteria depend on the kind of cover you opt for.
• For single trip insurance, people aged between 91 days and 70 years can be insured.
• For annual multi trip insurance, people aged between 18 and 70 years can be insured.
• For family floater insurance, which covers the policyholder and up to 18 other immediate family members,
the minimum age of entry is 91 days and can be insured up to 70 years.
That depends on the number of trips you’ll be taking during the year. If you’ll likely just take the one trip, you will want to purchase a single trip cover. The ideal time to buy a travel policy for a single trip is within a couple of weeks of booking your flight tickets. On the other hand, if you plan to take multiple trips during the year, it would be a better idea to purchase your travel insurance plan well in advance, before you book your various trips.
Travel insurance is mandatory for traveling to all 26 Schengen countries.
No. HDFC ERGO does not provide multiple insurance plans to the same person for the same trip.
Yes, Indian Nationals travelling abroad for business can purchase travel insurance policy.
Travel insurance is usually taken for the duration of travel. The policy will mention the start and end date on its schedule.
You can find your preferred hospital from among HDFC ERGO’s list of partner hospitals https://www.hdfcergo.com/locators/travel-medi-assist-detail or send mail to travelclaims@hdfcergo.com.
Policy can be taken only if the insured is in India. Cover is not offered for individuals who have already travelled abroad.
Unfortunately, you cannot buy travel insurance after leaving the country. The traveller needs to ensure availing of the travel insurance policy before travelling abroad.
No sub-limit has been specifically imposed for customers visiting Schengen countries. For insured individuals below 61 years of age, there are no sub-limits applicable under travel medical insurance. Sub-limits are applicable to insured individuals aged 61 years and older for various expenses, including hospital room and boarding, physician fees, ICU and ITU charges, anaesthetic services, surgical treatment, diagnostic testing expenses, and ambulance services. These sub-limits are applicable to all travel insurance policies regardless of the plan purchased. For more details, refer to the product prospectus.
The cost of a travel insurance policy depends on a lot of factors. The cost is not fixed or uniform for all trips. The following factors determine how much premium would be payable –
● The type of policy
There are different types of travel insurance plans available and each plan has a different premium. Single trip plans are cheaper than annual multi-trip plans. Individual plans are cheaper than family plans and so on.
● The destination
Different countries attract different premiums. Developed countries like the USA, UK, Australia, etc. involve higher premiums than others.
● Number of members travelling
The more the number of members who travel with you the higher would be the premium.
● Age
Higher the age higher would be the probability of suffering an illness. As such, premiums increase with age
● Trip duration
The longer the trip the higher would be the premium and vice-versa.
● Plan variant
There are different variants of the same plan. Each variant has different coverage benefits. The higher the variant the more inclusive the plan becomes and so the premiums are higher
● Sum insured
The higher the sum insured that you choose the higher would be the premium and vice-versa
You can use HDFC ERGO’s online calculators to find out the premium payable for the travel insurance plan.
You should choose a travel insurance plan based on your travel needs. Here’s how –
● If you are travelling solo, choose an individual policy
● If you are travelling with your family, a family travel insurance plan would be suitable
● If a student is travelling for higher education, choose a student travel insurance plan
● You can also choose the plan based on your destination, like a Schengen travel plan, Asia travel plan, etc.
● If you travel frequently, choose an annual multi-trip plan
After you have shortlisted the type of plan that you want, compare the different policies in that category. There are different insurance companies offering travel insurance plans. Compare the available policies on the basis of the following –
● Coverage benefits
● Premium rates
● Ease of claim settlement
● International tie-ups in the country that you are travelling to
● Discounts, etc.
Choose a policy that offers the most inclusive coverage benefits at the most competitive rate of premium. Choose an optimal sum insured and buy the best plan for securing the trip.
Yes, we will reimburse the Insured Person for non-refundable flight cancellation expenses incurred in the event of a flight cancellation.
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
Source : https://www.hdfcergo.com/docs/default-source/downloads/prospectus/travel/hdfc-ergo-explorer-p.pdf
Medical benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Cashless facility is available for receiving treatments at the insurer’s network hospitals.
Flight insurance is a part of travel insurance wherein you get covered for flight-related contingencies. Such contingencies include the following –
● Flight delay
● Accidental death due to a crash
● Hijack
● Flight cancellation
● Missed flight connection
When you fall sick when travelling contact our Toll free no +800 0825 0825 ( add the area code + ) or chargeable no +91 1204507250 / + 91 1206740895 or write to travelclaims@hdfcergo.com
HDFC ERGO has partnered with Alliance Global Assist for its TPA services. Fill up the online claim form available at https://customersupport.hdfcergo.com/DigitalClaimForms/travel-insurance-claim-form.aspx?_ga=2.101256641.138509516.1653287509-1095414633.1644309447. Fill up a ROMIF form which is available at https://www.hdfcergo.com/docs/default-source/documents/downloads/claim-form/romf_form.pdf?sfvrsn=9fbbdf9a_2.
Send the filled and signed claim form, ROMIF forms all the claim-related documents to the TPA at medical.services@allianz.com. The TPA would process your claim request, look for the networked hospitals and assist you with the hospital list so that you can get the medical attention that you need.
Currently we cannot extend the policy
Generally, the total policy period, including extensions if any, should not exceed 360 days. However, the limits may vary for specific plans, as explained below.
No. The HDFC ERGO travel insurance policy does not come with a free-look period.
Grace period is not applicable to any cover for travel insurance policy.
The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.
There are sub-limits applicable for availing travel insurance policy for Schengen countries. Please refer the policy documents to know that sub-limits.
No, the product does not offer any refund for early returns.
A cancellation charge of Rs 250 will be levied if you cancel your HDFC ERGO travel insurance, irrespective of whether you raise the request before or after your trip begins.
No. There is no grace period applicable for a travel insurance policy.
Travel insurance with a minimum equivalent sum insured of 30,000 Euros needs to be availed to travel to Schengen countries. There are about 26 countries that come under the entire Schengen region for you to visit and it is compulsory to have travel medical insurance cover to visit these states. To get Schengen Visa, you need to produce your travel medical insurance document.
The travel insurance premium is calculated considering the following details –
● Type of plan
● Destination
● Trip duration
● Members to be covered
● Their age
● Plan variant and sum insured
You can use HDFC ERGO’s online premium calculators to find the premium of the policy that you want. Enter in your trip details and the premium would be calculated.
The policy is issued by HDFC ERGO which serves as proof of travel insurance. The bond is mailed to you on your email ID. Moreover, a physical copy is also sent to your registered address. You can carry this copy as proof of coverage.
HDFC ERGO allows both online as well as offline modes of paying for the travel insurance policy. The available modes include the following –
● Cheque
● Demand draft
● Credit card
● Debit card
● Net banking facility
● NEFT/RTGS/IMPS
In case any of the insured events covered by the travel insurance policy occurs, it’s best to give us a written notice of the incident as soon as practicable. In any case, the written notice must be given within 30 days of such an event occurring. In case the insured event is the death of a person covered by the plan, the notice must be given immediately.
We understand that during any emergency financial distress, the sooner we can assist you, the better you’ll be able to get through the crisis. That’s why we settle your claims in record time. While the exact length of the period varies from case to case, we ensure that your claims are quickly settled upon the receipt of the original documents.
The kind of documentation depends greatly on the nature of the insured incident that has occured. In case of any loss covered by the travel policy, the following proof must be submitted.
1. The Policy Number
2. The preliminary medical report describing the nature and extent of all injuries or illnesses, and providing a precise diagnosis
3. All invoices, bills, prescriptions, hospital certificates which will permit
us to accurately determine the total amount of medical expenses (if applicable) incurred
4. In the case another party was involved (like in the case of a car collision), the names, contact details and if possible,
the insurance details of the other party
5. In the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents
establishing the identity of any and all beneficiaries
6. Proof of age, where applicable
7. Any such other information we may require to handle the claim
In case of any accident covered by the
travel policy, the following proof must be submitted.
1. Detailed circumstances of the accident and the names of witnesses, if any
2. Any police reports concerning the accident
3. The date a physician
was seen consulted for the injury
4. The contact details of that physician
In case of any sickness covered by the travel policy, the following proof must be submitted.
1. The date on which
the symptoms of the sickness began
2. The date on which a physician was consulted for the sickness
3. The contact details of that physician
Losing your baggage during your trip can be inconvenient, because you may need to replace a lot of essentials and spend out of pocket. With a travel insurance policy, you can cushion the financial impact of such a loss.
If you lose your baggage during the period the insurance cover is valid, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance
company, and the passport number. This needs to be done within 24 hours.
Here are our contact details.
Landline:+ 91 - 120 - 4507250 (Chargeable)
Fax: + 91 - 120 - 6691600
Email: travelclaims@hdfcergo.com
Toll free no.+ 800 08250825
You can also visit
this blog for more information.
In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company,
and the passport number. This needs to be done within 24 hours.
Here are our contact details.
Landline:+ 91 - 120 - 4507250 (Chargeable)
Fax: + 91 - 120 - 6691600
Email: travelclaims@hdfcergo.com
Toll free no.+ 800 08250825
Documents required for filing a travel insurance claim are the same as Emergency Medical Expenses, which will only cover expenses for patients who test positive for COVID-19. It will not cover expenses for home quarantine or quarantine in the hotel.
only Annual multi-trip policy can be renewed. Single trip policies cannot be renewed.
HDFC ERGO’s Travel Insurance covers coronavirus hospitalisation. You don’t have to buy separate insurance for COVID-19. Your travel medical insurance will give you cover for the same. You can buy travel insurance online by visiting our website or calling our helpline number 022 6242 6242.
Following are some of the features covered for COVID-19 in travel insurance -
● Hospital expenses if one gets COVID-19 while covered under overseas travel insurance.
● Cashless treatment in network hospitals.
● Reimbursements of medical expenses.
● Daily cash allowance during hospitalisation.
● Expenses related to transferring mortal remains to home country in case of death due to COVID-19
Ideally, it would be best if you buy a travel insurance plan like HDFC ERGO's International Travel plan, which covers coronavirus hospitalisation before embarking on your journey. Your travel insurance covers you from the first day of your journey till you return to India. However, it might not be possible to buy one while you are overseas and reap its benefits. So, make it a point to buy your travel medical insurance ahead of time. To avoid last minute hassles buy your insurance as soon as you book tickets for your destination.
While buying Travel Insurance online, you can opt for Individual Travel Insurance, Family Travel Insurance or Student Travel Insurance, depending on your need and how you plan to travel. Depending on the sum you want to insure, you can also choose from our Gold, Silver, Platinum, and Titanium plans. However, you don’t have to pay extra for COVID-19 coverage. You will be covered for the same in any of the travel plans you choose.
HDFC ERGO’s travel insurance policy doesn’t cover pre-existing conditions during your stay, even if you are covered under International travel insurance. However, you will be covered for COVID-19 hospitalisation during your insured period.
We will help you settle your claims for COVID-19 hospitalisation and expenses as soon as possible. The claim is settled within three working days after receiving all the valid documents related to your hospitalisation and medical expenses for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).The claim will cover expenses for the patients who test positive for COVID-19. However, it doesn’t cover expenses for home quarantine or quarantine in the hotel.
No, HDFC ERGO’s travel insurance doesn’t cover missed flights or flight cancellations due to COVID-19 or COVID-19 testing.
A third-party administrator provides operational services such as claims processing and other benefits as mentioned in your policy under contract with HDFC ERGO and can assist you in times of emergency when on international shores.
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